Property Owners Insurance
Specialist cover built for landlords and property owners who need protection they can rely on.
What is Property Owners Insurance?
Property Owners Insurance is a specialist policy designed to protect landlords and property owners against the financial risks associated with owning and renting out property.
It combines a range of covers into one flexible policy, helping safeguard your buildings, rental income, and legal liabilities in the event of a claim.
Whether you own a few properties or you manage larger portfolios, Property Owners Insurance helps protect both your investment and your ongoing income.
At Kingfisher Insurance, we understand that owning property comes with responsibility, risk, and opportunity. Our flexible policies can be tailored to meet the needs of landlords, investors, and commercial property owners across a wide variety of sectors.
What’s Included in Your Cover?
We offer comprehensive protection, with the flexibility to build a policy that works for you and your portfolio.
Included as standard:
- Buildings Insurance
- Loss of Rent / Alternative Accommodation
- Property Owners’ Liability
- Employer’s Liability (if required)
- Contents Cover
- Legal Expenses
Optional cover:
- Rent Guarantee Insurance
- Accidental Damage Cover
- Terrorism Cover
- Engineering Inspection
- Unoccupied Property Cover
Who We Cover:
Our Property Owners Insurance is suitable for:
- Commercial property landlords
- Residential landlords with multiple properties
- Mixed-use property owners
- Property investors and portfolio owners
- Owners of unoccupied properties
Why choose Kingfisher Insurance?
Experienced Claims Team
Support when you need it most – helping to resolve issues quickly and minimise disruption.
Expert Support
Our knowledgeable, friendly UK-based team delivers clear advice, fast responses, and ongoing support.
Cover Built For You
Flexible policies tailored to your requirements, with access to leading UK insurers.
Frequently Asked Questions
What does Property Owners Insurance cover?
Property Owners Insurance typically covers the physical structure of your property, loss of rental income, and your legal liability as a landlord. The policy can also include optional extras such as contents cover, legal expenses, and accidental damage.
Do I need Property Owners Insurance?
If you own and rent out a property, this policy is strongly recommended. Standard building insurance often will not provide the level of protection needed for rental properties, particularly for liability and loss of rent.
Is Property Owners Insurance the same as landlord insurance?
Essentially, yes. The terms are often used interchangeably. However, Landlord Insurance is typically offered to those with one or two properties to let. Whereas Property Owners Insurance is geared towards commercial property owners and those with mixed-use or larger property portfolios. You can read more about our Landlord Insurance here.
Can I insure multiple properties under one policy?
Yes, many insurers offer portfolio policies that cover multiple properties under a single plan. This can make managing your insurance simpler and, in some cases, more cost-effective.
Does Property Owners Insurance cover unoccupied properties?
Cover can be arranged, but it may come with certain conditions or restrictions. It is important to let your insurer know if a property will be vacant so the correct cover is in place.
What factors affect the cost of Property Owners Insurance?
The cost of your policy will depend on factors such as the type and location of the property, how it is used, the rebuild value, and the level of cover you choose. Other factors, like your claims history and security measures, may also influence the premium.
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